Star Criticare Plus Policy
  • Cover 1 family member
  • 30% Co-payment
  • Non-allopathic treatments
Star Health Insurance
premium

Network hospitals

14000+

premium

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

14000+

premium

Claim settlement ratio

99.06%

premium

Sum insured

2 CR

premium

No. of Plans

21

premium

Solvency Ratio

1.7

premium

Pan India Presence

815

Star Criticare Plus Policy

Star Criticare Plus Policy falls under a dual benefit plan, as policyholders can get the coverage of health insurance and as well as critical illnesses. Star Criticare Plus provides a lump sum payment for long-term diseases such as cancer, chronic kidney disease, brain tumor, major organ transplant, Cerebro-Vascualr Stroke causing Hemiplegia, Acute Myocardial Infarction, established irreversible coma, and many more critical diseases. One of the distinctive features of this policy is that it provides cover for non-allopathic treatments up to a certain limit.

Star Criticare Plus Policy offers a fair range of sum insured options from 1 Lakh to 10 Lakh with an age gap of 18 to 65 years. This plan provides policyholders coverage for themselves along with any one family member under Star Criticare Plus Policy.

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Star Criticare Plus Policy Specifications

Entry Age

Minimum:18 years
Maximum: 65 years

Maximum Members

2

Policy Term

1 Year

Plan Type

Individual/Family

Sum Insured

2 L | 10 L

Initial Waiting Period*

90 Days*

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

Choose your Star Criticare Plus Policy

With Star Criticare Plus Policy you can choose your own coverage and customize your health insurance plan as per your unique needs:

Coverage for SI: 2 L - 10 L

In-patient & Out-patient Coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered up to 30 days

Post-Hospitalization

Covered up to 30 days

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Not Covered

OPD Charges

Not covered

Coverage Terms

COVID-19 Treatment

Not Covered

Cataract

Not Covered

No Claim Bonus

Applicable

Automatic Restoration

Not Applicable

Daily Hospital Cash

Available

Organ Donor

Not Covered

Maternity Cover

Not Covered

New Born Baby Cover

Not Available

Alternative Treatments

AYUSH Treatment

Covered up to 25% of SI, subject to a maximum of Rs. 25,000/- per policy period.

IVF Treatment

Available

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Available

Compassionate Travel

Not Available

Global Coverage

Not Available

Wellness Programmes

E-Consultation

Not Available

Health Check-Up

Available

Second Medical Opinion

Not Available

Vaccination

Not Available

Limitations

Co-payment

30% of the admissible claim amount

Sub-limits

Available

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Star Criticare Plus Policy?

Under Star Criticare Plus Policy, the room rent is covered up to 2% of the sum insured per day with an overall limit of Rs 4000 on the sum insured.

What are ICU charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Star Criticare Plus Policy?

ICU charges are covered under Star Criticare Plus Policy.

What is Pre-Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Star Criticare Plus Policy?

Under Star Criticare Plus Policy medical expenses incurred during pre-hospitalization are covered, for up to 30 days, subject to a maximum of 7% of the hospital bill or to a maximum of Rs.5000/- are payable.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Star Criticare Plus Policy?

Under Star Criticare Plus Policy medical expenses incurred during pre-hospitalization are covered for up to 30 days subject to a maximum of 7% of hospital bills or to a maximum of Rs.5000/- are payable.

What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Star Criticare Plus Policy?

Under Star Criticare Plus Policy, domiciliary hospitalization is not covered by the SI.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Star Criticare Plus Policy?

Star Criticare Plus Policy does not cover the expenses of daycare treatment up to SI. Treatment is normally taken on an outpatient basis.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under Star Criticare Plus Policy?

Star Criticare Plus Policy does not cover OPD charges.

What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. an approved Centre.

Coverage status under Star Criticare Plus Policy?

COVID-19 treatment is not covered by Star Criticare Plus Policy.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Star Criticare Plus Policy?

Star Criticare Plus Policy does not cover cataract treatment.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Star Criticare Plus Policy?

The cumulative Bonus or No-Claim Bonus is available under Star Criticare Plus Policy. It will be lost if the policy is not renewed before or within 30 days from the date of expiry.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Star Criticare Plus Policy?

Under Star Criticare Plus Policy, automatic restoration is not available up to base SI. Although it can be renewed on mutual consent.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Star Criticare Plus Policy?

The daily hospital cash is available under Star Criticare Plus Policy as an add-on benefit Up to 2% of the Sum Insured per day.

Overall limit of Rs 4000 per day on the sum insured.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Star Criticare Plus Policy?

Under Star Criticare Plus Policy, organ donor hospitalization expenses are not covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Star Criticare Plus Policy?

Under the Star Criticare Plus Policy, maternity expenses are not covered.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment

Coverage status under Star Criticare Plus Policy?

Under Star Criticare Plus Policy, the newborn baby cover is not available.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Star Criticare Plus Policy?

Covered Under Star Criticare Plus Policy up to 25 % of SI, subject to a maximum of Rs. 25,000/- per policy period.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Star Criticare Plus Policy?

Under Star Criticare Plus Policy IVF treatment is not covered.

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Star Criticare Plus Policy?

Under Star Criticare Plus Policy, modern treatments are covered.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Star Criticare Plus Policy?

Under Star Criticare Plus Policy, Ambulance expenses are covered. Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs.750/- per hospitalization and an overall limit of Rs.1,500/- per policy period.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Star Criticare Plus Policy?

Under Star Criticare Plus Policy, Air Ambulance is not covered.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under Star Criticare Plus Policy?

Under Star Criticare Plus Policy, the compassionate plan is not covered.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Star Criticare Plus Policy?

Under Star Criticare Plus Policy, Global coverage is not available.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Star Criticare Plus Policy?

Under Star Criticare Plus Policy,e-consultation is not covered.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under Star Criticare Plus Policy?

Health checkup is not covered under Star Criticare Plus Policy.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Star Criticare Plus Policy?

Under the Star Criticare Plus Policy, a second medical opinion is not covered.

What is Vaccination cover?

The insurance companies provide coverage against the expenses incurred on vaccinations.

Coverage status under Star Criticare Plus Policy?

Under the Star Criticare Plus Policy Vaccination expenses are covered. Post-bite treatment and medical treatment for therapeutic reasons are excluded.

What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Star Criticare Plus Policy?

It is Applicable under Star Criticare Plus Policy.

An insured person whose age is 61 years and above will pay 30% for each and every claim.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under Star Criticare Plus Policy?

Applicable under Star Criticare Plus Policy. There is a sub-limit of Rs 1,50,000/- on Cerebro Vascular Accident / Cardio Vascular Disease/Cancer and Breakage of bones, Renal Complications. And for all other Major Surgeries, the sub-limit is Rs 1,20,000/-.

Star Health Insurance Network Hospital List

Star Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Star Health Insurance ensures that you are medically secured, irrespective of the city you reside in.

Other Health Insurance Companies

Star Criticare Plus Policy Exclusions

Permanent Exclusions

Permanent diseases or health conditions that are not included under Star Criticare Plus Policy are:

Medical expenses related to the treatment of any illness within 30 days from the first day of commencement of the policy will be excluded.

Expenses on the treatment of Benign Prostate Hypertrophy, Hernia, Hydrocele and related disorders, treatment for gallstones and renal stones are not covered during the first year of the policy.

Expenses on the treatment of Cataracts, Hysterectomy for Menorrhagia or Fibromyoma, treatment for knee or joint, Prolapse of the intervertebral and many other diseases, after two years from the date of commencement of policy will be excluded.

Expenses related to X-ray, or laboratory examinations other than primary hospitalization will be excluded.

Cost of medical aids such as wheelchairs, crutches, contact lenses, hearing aids etc.

Circumcision, vaccination, inoculation, and dental treatment.

Cosmetic and aesthetic treatments.

Change of gender treatments, sterility and infertility treatments.

Expenses related to obesity treatments and weight management treatments or any unproven treatment.

Sexually transmitted diseases, HIV, venereal diseases.

Refractive Error, spectacles, correction of eyesight.

Expenses related to any hazardous or adventure sports.

Expenses on the treatment related to pregnancy, childbirth, miscarriage, abortion, etc.

Treatment for Alcoholism, drug or substance abuse or any addictive condition.

Injuries caused while under the influence of alcohol or drugs.

Intentional self-injuries.

Hospital registration charges, record charges, incidental and miscellaneous expenses and telephone charges.

Hospitalization out of war, nuclear weapons, riots, and strikes.

Coverage After Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Pre-existing diseases after 48 months

Listed Illness 3 Months

Sample Premium Illustration of Star Criticare Plus Policy

To understand how much premium amount one needs to pay, let us go through the below example wherein we have illustrated the sample premiums.

Star Criticare Plus Policy

Sum Insured / Age in yrs18 - 3518 - 4518 - 5518 - 65Above 65
Rs.2,00,000/-3,750/-4,200/-6,400/-7,550/-11,150/-
Rs.3,00,000/-5,400/-6,000/-8,900/-11,600/-16,200/-
Rs.4,00,000/-7,000/-7,680/-12,300/-15,900/21,050/-
Rs.5,00,000/-8,400/-9,400/- 15,200/-19,500/-25,900/
Rs.10,00,000/-14,600/-16,100/- 22,600/-28,200/-35,350/

Star Criticare Plus Policy Benefits

Star Criticare Policy has multiple advantages that policyholders can avail after the purchase.

Tax Benefits

Get tax relief under section 80D

Organ Donor Benefit

Organ Donor expenses are not availabe.

Discounts

Multiple discount options

AYUSH Benefit

Avail up to 25% of the Sum Insured

Additional Benefits

Ambulance coverage

Tax Benefits

Amount paid towards the premium of this plan is eligible for tax relief under Section 80D of the Income Tax Act, 1961.

Organ Donor Benefit

With the Star Criticare Plus Policy policyholders get hospitalization expenses (excluding the cost of the organ and organ donor) incurred during the course of organ transplant to the insured.

Discounts

Star Criticare Plus Policy offers discount options to its policyholders such as 5% for up to 2 members and 10% for more than 2 members.

AYUSH Benefit

Expenses incurred for Ayurvedic/Homeopathic/Unani Treatment are admissible up to 25% of the sum insured or subject to a maximum of Rs. 25,000/- per policy period is provided for the treatment of Illness or Injury.

Additional Benefits

The policy provides additional coverage for ambulances. Emergency ambulance charges for transporting the insured patient to the hospital up to a sum of Rs.750/- per hospitalization and an overall limit of Rs.1,500/- per policy period.-

Explore other Star Health Insurance Plans

Star Health Insurance offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Comprehensive

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Avail free health check-ups
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Star Comprehensive Plan (Pros)

  • 99.6% CSR
  • Up to 1 Cr SI
  • Maternity Cover
  • New Born Baby Cover
  • Road and Air Ambulance

Star Comprehensive Plan (Cons)

  • No Global Coverage
  • No IVF Treatment
  • No compassionate Travel
  • HIV/AIDS not covered

Star Comprehensive Plan (Other Benefits)

  • Individual and family floater
  • Mid-term inclusion available
  • Accidental Death
  • Permanent Total Disablement
  • Star Wellness Program

Star Comprehensive Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Family Health Optima Policy (Pros)

  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Family Health Optima Policy (Cons)

  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Youth-specific

Created for young individuals under 40 years of age. It also offers various benefits such as discounts on renewals, incentive-led wellness programs, lowest waiting periods.

Unique Features

  • No-claim bonus
  • Hospital daily cash
  • Automatic restoration of SI

Star Young Star Policy (Pros)

  • Mid-term inclusion
  • 10% discount on early purchase
  • Star Wellness Program
  • Flexible-Premium Payment
  • 2 Plan variants

Star Young Star Policy (Cons)

  • PED waiting period
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Young Star Policy (Other Benefits)

  • Hospital Cash Benefit
  • Lifelong Renewal
  • E-opinion
  • No-claim bonus
  • Automatic Restoration

Star Young Star Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 40 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Standard

A standard health plan mandated by IRDAI that covers all essential healthcare benefits including Ayush treatment, day care procedures, etc. for individuals and families.

Unique Features

  • Room rent up to 5K/day
  • Modern treatments covered
  • 20% rural discount available

Arogya Sanjeevani Policy (Pros)

  • Affordable Plan
  • 50% No Claim Bonus
  • Flexible Policy
  • Day Care Procedures Covered
  • Up to 25% of SI for Cataracts

Arogya Sanjeevani Policy (Cons)

  • 5% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Arogya Sanjeevani Policy (Other Benefits)

  • Lifelong Renewal
  • Road Ambulance Cover
  • Day Care Procedures Covered
  • AYUSH treatment Cover
  • Rural Discount

Arogya Sanjeevani Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 30 Days

Comprehensive

A uniquely designed insurance policy that covers organ donor expenses up to sum insured, AYUSH treatments, modern treatments, and many more.

Unique Features

  • All Daycare procedures
  • Automatic Restoration
  • Domiciliary hospitalization

Medi Classic Policy (Individual) (Pros)

  • Plan Variants Available
  • Customizable Plan
  • Hospital-Cash Benefit
  • 5% Family Discount
  • Organ Donor Cover

Medi Classic Policy (Individual) (Cons)

  • 10% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Medi Classic Policy (Individual) (Other Benefits)

  • New Born Baby Cover
  • 100% Super Restoration
  • Up to 100% No-claim Bonus
  • Psychiatric coverage
  • Patient Care Cover

Medi Classic Policy (Individual) (Eligibility Criteria)

  • Entry Age - 16 Days
  • Max Entry Age - 65 Years
  • SI - 1.5 L to 25 L
  • Waiting Period - 30 Days

Flexible

Provides flexibility in terms of choosing the Sum Insured amount, premium amount, family size. It can be a perfect tax saver for you.

Unique Features

  • All Daycare procedures
  • Coverage for Modern Treatment
  • Outpatient Expense

Star Health Gain Policy (Pros)

  • Day Care Procedures Covered
  • Road Ambulance Available
  • Modern Treatments Available
  • Outpatient Benefit

Star Health Gain Policy (Cons)

  • 20% Co-payment
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Star Health Gain Policy (Other Benefits)

  • Up to 60k Cataract cover
  • Room Rent Cover
  • ICU Cover
  • Wide SI options
  • Flexible Premiums

Star Health Gain Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Women Care

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

  • Coverage for Modern Treatments
  • Coverage during Pregnancy
  • Preventive Health Check Up

Star Women Care Plan(Pros)

  • Designed for Women's Care
  • Cancer cover optional
  • Bariatric Surgery Cover
  • Mid-term inclusions
  • High SI

Star Women Care Plan (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Women Care Plan (Other Benefits)

  • 10% long-term discount
  • 10% Air Ambulance Cover
  • Pain Management Cover
  • Assisted Reproduction
  • Automatic Restoration

Star Women Care Plan (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 75 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Senior Citizen

The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.

Unique Features

  • Guaranteed Lifelong renewals
  • No Pre-acceptance Medical test
  • Availability of Instalment Facility

Senior Citizens Red Carpet Policy (Pros)

  • Individual & family floater plan
  • Flexible SI
  • Road Ambulance Cover
  • ICU cover
  • Health Check-up cover

Senior Citizens Red Carpet Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Senior Citizens Red Carpet Policy (Other Benefits)

  • Flexible-Premium Payment
  • Cataract Treatment available
  • Modern treatment cover
  • No pre-policy checkup
  • OP Consultation

Senior Citizens Red Carpet Policy (Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age - 75 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Top-up

The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.

Unique Features

  • All Daycare procedure
  • Pre and Post Hospitalization
  • Organ Donor Expense

Star Super Surplus Policy (Pros)

  • Flexible Policy
  • Avail Long Term Discount
  • 7 family cover size options
  • Lifelong renewal
  • 3 Plan variants

Star Super Surplus Policy (Cons)

  • Includes Deductibles
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Congenital Disease Cover

Star Super Surplus Policy (Other Benefits)

  • Avail e-opinions
  • Star Wellness Services
  • Recharge benefit
  • Air Ambulance
  • No pre-policy Medical check-up

Star Super Surplus Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Critical Illness

Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.

Unique Features

  • Modern Treatment Covered
  • Non-allopathic Treatment
  • Coverage Medicine and drugs cost

Cardiac

Star Cardiac Care is ideal for those individuals who want to cover the expenses of cardiac & non-cardiac ailments.

Unique Features

  • Accidents and non-cardiac ailments
  • Day care procedure
  • No pre-acceptance Medical test

Star Cardiac Care Policy (Pros)

  • Flexible Product
  • Personal Accident Cover
  • 2 Plan Variants
  • Road Ambulance
  • Day Care Procedures

Star Cardiac Care Policy (Cons)

  • 10% Co-Payment
  • PED
  • Cosmetic Surgery
  • Obesity Treatment
  • Change of Gender Treatments

Star Cardiac Care Policy (Other Benefits)

  • Personal Accident Cover
  • Heart Transplantation
  • OPD expenses Cover
  • Modern Treatment Cover
  • COVID-19 Cover
  • Cataract Cover

Star Cardiac Care Policy (Eligibility Criteria)

  • Entry Age - 10 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 4 L
  • Waiting Period - 30 Days

Cancer care

Star Cancer Care Gold (Pilot Product)

Covers the risk of spreading/recurrence of first cancer (metastasis) & second cancer (second malignancy)

Unique Features

  • Pre-hospitalization (30 days)
  • All daycare procedure
  • Nursing Expense

Autism Spectrum Disorder

Star Special Care provides coverage to children (3 years to 25 years) who are diagnosed with Autism Spectrum Disorder.

Unique Features

  • No Pre-medical test
  • Nursing Expense
  • Emergency Ambulance Charges

Star Special Care Policy (Pros)

  • Modern Treatment Available
  • Day Care Procedures Available
  • Ambulance cover
  • Room rent cover
  • Shared Accommodation cover

Star Special Care Policy (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Pre-existing Diseases

Star Special Care Policy (Other Benefits)

  • Treatment of Seizures
  • Behavioral Therapy Cover
  • Speech Therapy Cover
  • Occupational Therapy Cover
  • Adeno Tonsillectomy

Star Special Care Policy (Eligibility Criteria)

  • Entry Age - 3 Years
  • Max Entry Age - 25 Years
  • SI - 3 L
  • Waiting Period - 30 Days

COVID-19

This plan is for individuals who want to protect themselves and their families against the deadliest virus of Covid-19.

Unique Features

  • No pre-medical Test
  • Only 16 days of Waiting Period
  • Low premium amount

COVID-19

Corona Kavach Policy

It covers the cost of hospitalization if the policyholder tested positive for COVID-19.

Unique Features

  • AYUSH Treatments
  • Home Care Treatment
  • No pre-medical screening test

COVID-19

Corona Rakshak Policy

This policy offers 100% sum insured to the policyholder if he/she tested positive for COVID-19.

Unique Features

  • No pre-medical screening test
  • Sum insured: INR 50K to 2.5Lakhs
  • Only 15 days Waiting Period

Individual Plan

An individual and floater basis rural plan with SI of 1 lakh and 2 lakh respectively. Comes with installment on premiums and lifelong renewal.

Unique Features

  • Day care procedures
  • Modern treatments
  • Cataract treatment

Micro Rural and Farmers Care (Pros)

  • Designed for Farmers
  • Flexible Policy
  • Day Care Procedures
  • Flexible Payment Options
  • PED cover available

Micro Rural and Farmers Care (Cons)

  • 20% co-pay
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Micro Rural and Farmers Care (Other Benefits)

  • No Pre-policy medical checkup
  • Modern Treatments Covered
  • Lifelong Renewal
  • Up to 15k Cataract Cover
  • ICU cover

Micro Rural and Farmers Care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L - 2 L
  • Waiting Period - 30 Days

Individual Plan

An OPD coverage policy with an individual and family floater option and 4 SI variants. Comes with 3 plan variants: Silver, Gold and Platinum.

Unique Features

  • Diagnostics and physiotherapy
  • Pharmacy
  • Ophthalmic cover

Star Out Patient Care (Pros)

  • Cover up to 6 family members
  • 3 Plan variants available
  • Dental Cover available
  • Physiotherapy cover
  • Pharmacy cover

Star Out Patient Care (Cons)

  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Breach of law

Star Out Patient Care (Other Benefits)

  • Dental Treatments Available
  • AYUSH Treatments Available
  • Ophthalmic Treatment
  • Outpatient Consultation
  • Renewal Discounts

Star Out Patient Care (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 50 Years
  • SI - 25k - 1 L
  • Waiting Period - 30 Days

Individual Plan

An accidental coverage policy for individuals and families and comes with high sum insured. The policy gives cumulative bonus and multiple discounts.

Unique Features

  • Educational grant
  • Vehicle/Residence modification
  • Imported medicines

Health Insurance Articles

What is OPD Cover?

What is OPD Cover?March, 2022

Star Health Criticare Plus : FAQs

1. What are the minimum and maximum ages for buying Star Criticare Plus Policy?

The age for buying Star Criticare Plus Policy is minimum-18 years and maximum-65 years.

2. What is the minimum and maximum sum assured for Star Criticare Plus Policy?

The sum assured by the Star Criticare Plus Policy is a minimum- of 2 lakhs and a maximum of -10 lakhs.

3. Does Star Criticare Plus Policy have OPD benefits?

No, Star Criticare Plus Policy does not provide OPD benefits.

4. Does Star Criticare Plus Policy offer discounts on family members?

Star Criticare Plus Policy offers discount options to its policyholders such as 5% for up to 2 members and 10% for more than 2 members.

5. Does Star Criticare Plus Policy have AYUSH benefits?

Yes, Star Criticare Plus Policy provides AYUSH benefits, admissible up to 25% of the sum insured, subject to a maximum of Rs. 25,000/- per policy period.

Star Health Plans Review

Read what customers have to say about Star Health health insurance.

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Ranjan Kumar Verma

Patna

March 5, 2023

मैने 2016 में PolicyX.Com से Health Insurance Online Purchase किया था। अभी 2021 से मैं STAR HEALTH का Policy continue किया हूँ...

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sandeep singh

Chandigarh

January 12, 2023

Dnt buy any policy from Star health They are big fraud my father is admitted in hospital crucial stage they reject our claims without reason i will filled case against company in consumer court...

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Sanjay naraware

Pune

November 8, 2022

Sanjay nanaware here, first of all I appreciate Star Health for your punctuality, service, conversation and I really thanks to Mr.Sanchin pathavnkar who has suggest star health policy.

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Ritesh

Delhi

June 2, 2022

Star health insurance company is one of the most trusted brands and my experience has been good with the insurer.

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Himanshu Gada

Delhi

May 25, 2022

Star is a good company. I have bought 2 plans from this company. One for myself, and another for my parents. I am happy with both the plan. Thank you PolicyX.com for helping me to find this gre...

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samarth wadhwa

Guwahati

March 14, 2022

Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...

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rachana singh

Ahmedabad

February 24, 2022

I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment

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paridhi

Hyderabad

February 17, 2022

No doubt that why people recommended me this company. They are loyal towards their customers and help them in every possible way.

View All Star Health Insurance Reviews

Naval Goel

Reviewed By : Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.